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Filing Auto Insurance Claims: The Basic Steps to Take
An automobile accident can be a terrifying event for anyone, even when there are no injuries sustained. However, it is still necessary to take proper action after the collision to make filing auto insurance claims as simple as possible. Filing auto insurance claims may seem demanding at first glance, but following the correct steps can ensure success.
Be sure to carry your insurance card with you at all times for easy access. This card contains the type of coverage you have and how long it spans, your vehicle's make, model and identification number, and emergency and after hours phone numbers. Call your auto insurance agent to inform the company of the occurrence as soon as possible.
Most insurance companies request some form of documentation to support your claim. Writing down names and addresses of those involved or possible witnesses may aid when filing auto insurance claims. Noting specific details such as the weather, or visibility also may be of assistance. And of course, a copy of the police report is required, along with a proof of claim form provided by the insurance company.
Once all the information has been provided to the insurance company, and the claim form has been filled out, you can basically just sit and wait to see what develops. If there happens to be a dispute between the participants in the accident, you may receive a call from the other driver's insurance company inquiring about your version of the collision. Support your case. Document the conversation and make note of the insurance agent you spoke with.
Your case will be designated a claims adjuster, regardless of the car's condition. The car will be taken to a body shop, and the shop will evaluate damage done to the automobile. They will then send a report to the insurance company with an estimate for repairs. The insurance company will determine retail value after assessment of the report. If the repairs transcend 70 to 80 percent of the car's retail value, it is deemed totaled by the insurance company.
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